Government proposals for the new Personal Accounts Scheme (PAS) have been negatively received by the general public, with high levels of disapproval and also widespread misunderstanding of what the Personal Accounts Scheme will entail. The government’s Personal Accounts Scheme would automatically enrol all employees who have no pension provision into a pension fund after 2012. The government-backed scheme would [...]
Posts Tagged ‘Mortgage Advice’
Public opts out of government pension plan – Personal Accounts
Thursday, November 5th, 2009‘Recession-proof’ yourself with correct insurances
Wednesday, November 4th, 2009The Association of British Insurers has called on consumers to protect themselves and their families from sudden loss of income by ensuring they have a well-designed suite of personal insurance products in place. In its new document ‘People Need Financial Protection’, the ABI refers to the current ‘uncertain economic outlook’ and warns consumers against ‘a sudden [...]
Pension restructure could raise Inheritance Tax liability
Tuesday, November 3rd, 2009High earners who will save for their pension under the government’s planned Personal Accounts Scheme may face an Inheritance Tax liability on part of their benefits. Latest details from government have indicated that lump sum death benefits provided under the Personal Accounts Scheme would be subject to Inheritance Tax. This is a major difference to [...]
What is your mortgage affordability rating?
Thursday, July 23rd, 2009In approving a mortgage offer to a homebuyer these days, lenders decide the amount of finance on offer based on a number of factors. One of the most crucial is the mortgage lender’s view of how much the applicants can comfortably afford to repay. This assessment in turn reveals the ‘affordability’ of the mortgage repayment that the applicant has asked for. If [...]
Government pension provision – Personal Accounts
Friday, July 17th, 2009The mainstay of government pension provision is currently the basic State Pension, funded by National Insurance Contributions, and alongside that, the pension credit scheme, which is a ‘top-up’ payment to the State Pension. From 2012, the government will take an initiative in pensions provision to company employees, known as the Personal Account. Here are the [...]
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